Helping more Rhode Islanders realize their dream of home ownership!

  • Up to 100% financing available*
  • Matching down payment grants available*
  • Great rates on 30-year fixed rate mortgages
  • Customizable loans make it affordable for you
  • Waived lender fees**
  • Closing cost assistance available

Qualify by Income

Total annual income for all borrowers must be at or below $79,680.

Represents 80% of area median income; subject to change.

Short on Down Payment Funds? I Luv RI Community Lending Can Help!

Down Payment Assistance GrantsReduced Costs
Up to 1.5% matching funds grantReceive up to $2,500 in closing cost credits
Grant funds have no pay-back requiredWe'll waive our lender fees
No strings attachedWe'll share the expense of mortgage insurance


Washington Trust's Commitment

You will receive courteous, professional advice from our team of trusted advisors; a smooth streamlined process with our help every step of the way; an extensive product line to meet your specific life goals; local decision-making and quick closings.

NMLS #414726; Member FDIC; All loans subject to credit approval. Qualified applicant must be at or below 80% of area median income. Borrower(s) must be first-time homebuyers or have no current ownership in any other real estate. Owner-occupied primary residences only. Additional restrictions apply for 2-family residences. *Washington Trust will match up to 1.5% of a 3% downpayment as a non-repaid grant. **Washington Trust will waive the standard underwriting and processing fees.